Ogden FHA Loan Rates, Closing Costs & Stats
OGDEN-CLEARFIELD, UT
FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote
home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and
credit scores-- making these loans much more accessible than traditional mortgages.
FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores
between 500-579, the downpayment needs to be at least 10%.
While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)--
an additional insurance premium that is paid to the FHA to help cover defaults.
For additional requirements as defined by the FHA, click here.
Ogden's 115 lenders originated 2,657 FHA
loans during 2024. The total origination value was $1,098,585,000, with an average FHA loan value of
$413,468.
Ogden FHA Loans, 30 Year Fixed Rates
30 Year FHA mortgages in Ogden
averaged
-0.04%
for the week of 2025-07-04, compared to the national average (all FHA variants) of
0% for the same period.
Ogden's average FHA mortgage closing costs are $10,880.
The average rate for the prior week (2025-06-27) was
6.65% and
one month ago for the week of 2025-05-30, the
average rate was 6.42%.
The average rate one year ago was 6.44%.
For refis of the same type during the week of 2025-07-04, the average rate
was -0.32%.
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.
Ogden FHA Loan Lenders by Rates & Fees
The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender
at the Ogden level.
Name |
# of Loans |
2024 Avg. 30yFix Rate |
2024 Avg. Closing Costs |
UNITED WHOLESALE MORTGAGE, LLC
|
374
|
6.00%
|
$15,451
|
GUILD MORTGAGE COMPANY
|
199
|
6.27%
|
$17,648
|
INTERCAP LENDING INC.
|
138
|
6.31%
|
$15,230
|
QUICKEN LOANS, LLC
|
136
|
6.10%
|
$15,839
|
Century Mortgage Company DBA Century Lending Company
|
115
|
6.07%
|
$15,323
|
Plains Commerce Bank
|
75
|
6.41%
|
$18,020
|
FIRST COLONY MORTGAGE CORPORATION
|
73
|
5.97%
|
$16,856
|
CASTLE & COOKE MORTGAGE, LLC
|
59
|
6.34%
|
$17,073
|
RANLIFE, INC.
|
56
|
6.03%
|
$18,610
|
FAIRWAY INDEPENDENT MORTGAGE CORPORATION
|
51
|
6.29%
|
$15,628
|
FREEDOM MORTGAGE CORPORATION
|
49
|
6.33%
|
$17,183
|
SECURITYNATIONAL MORTGAGE COMPANY
|
46
|
6.38%
|
$17,837
|
PENNYMAC LOAN SERVICES, LLC
|
45
|
5.89%
|
$13,821
|
CLM MORTGAGE, INC
|
42
|
5.85%
|
$16,964
|
BROKER SOLUTIONS, INC.
|
39
|
6.61%
|
$16,643
|
The Loan Store, Inc.
|
36
|
6.08%
|
$16,961
|
Bank of Utah
|
34
|
6.25%
|
$11,256
|
Paramount Residential Mortgage Group, Inc.
|
33
|
6.54%
|
$15,729
|
LAKEVIEW LOAN SERVICING, LLC
|
29
|
6.08%
|
$10,928
|
MY MOVE MORTGAGE, LLC
|
28
|
6.01%
|
$18,509
|
GOLDENWEST
|
27
|
5.94%
|
$13,511
|
PRIMARY RESIDENTIAL MORTGAGE, INC.
|
24
|
6.53%
|
$13,232
|
CANOPY MORTGAGE, LLC
|
23
|
6.13%
|
$16,595
|
PLAZA HOME MORTGAGE, INC.
|
23
|
6.81%
|
$14,685
|
PRIMELENDING, A PLAINSCAPITAL COMPANY
|
22
|
6.28%
|
$17,299
|
MOUNTAIN AMERICA
|
22
|
5.55%
|
$13,715
|
NEWREZ LLC
|
22
|
6.01%
|
$14,621
|
CROSSCOUNTRY MORTGAGE, LLC
|
22
|
6.30%
|
$17,946
|
LOANDEPOT.COM, LLC
|
20
|
6.03%
|
$16,641
|
SECURITY HOME MORTGAGE, LLC.
|
16
|
6.23%
|
$18,811
|
HOMEAMERICAN MORTGAGE CORPORATION
|
16
|
4.41%
|
$10,842
|
DIRECT MORTGAGE, CORP.
|
16
|
6.20%
|
$15,157
|
Equity Prime Mortgage LLC
|
15
|
7.37%
|
$17,747
|
Mr. Cooper ( Nationstar Mortgage )
|
14
|
6.39%
|
$18,648
|
AMERICAN PACIFIC MORTGAGE CORPORATION
|
14
|
6.59%
|
$13,531
|
ON Q FINANCIAL, INC.
|
13
|
6.31%
|
$14,214
|
ARK-LA-TEX FINANCIAL SERVICES, LLC.
|
12
|
6.28%
|
$12,418
|
CMG MORTGAGE, INC.
|
12
|
6.14%
|
$15,458
|
JMAC LENDING, INC.
|
12
|
5.92%
|
$14,077
|
INSPIRE HOME LOANS INC.
|
12
|
5.60%
|
$17,830
|
Carrington Mortgage Services, LLC
|
10
|
6.21%
|
$18,459
|
VAN DYK MORTGAGE CORPORATION
|
10
|
6.29%
|
$13,567
|
AMERICA FIRST
|
9
|
6.72%
|
$14,468
|
Hometown Equity Mortgage, LLC
|
9
|
6.15%
|
$16,540
|
VILLAGE CAPITAL MORTGAGE
|
8
|
6.23%
|
$12,085
|
AMERICAN FINANCING CORPORATION
|
8
|
5.89%
|
$16,913
|
AMERISAVE MORTGAGE CORPORATION
|
8
|
6.09%
|
$17,424
|
GUARANTEED RATE, INC.
|
8
|
6.15%
|
$14,145
|
GARDNER FINANCIAL SERVICES, LTD.
|
7
|
6.45%
|
$21,287
|
LOANPAL, LLC
|
7
|
5.70%
|
$16,514
|
Flagstar Bank, FSB
|
7
|
6.32%
|
$12,224
|
GUARANTEED RATE AFFINITY, LLC
|
6
|
6.08%
|
$16,489
|
MICHIGAN MUTUAL, INC.
|
6
|
5.69%
|
$18,765
|
American Mortgage & Equity Consultants, Inc.
|
6
|
6.29%
|
$21,406
|
AMERICAN FINANCIAL NETWORK, INC.
|
6
|
6.96%
|
$15,683
|
CARDINAL FINANCIAL
|
6
|
6.10%
|
$16,843
|
CITY FIRST MORTGAGE SERVICES, L.L.C.
|
6
|
6.71%
|
$14,647
|
Sierra Pacific Mortgage Company, Inc.
|
6
|
6.21%
|
$14,299
|
PLANET HOME LENDING, LLC
|
5
|
5.37%
|
$13,977
|
Franklin Loan Corporation
|
5
|
5.95%
|
$16,604
|
MORIA DEVELOPMENT, INC.
|
5
|
6.73%
|
$14,740
|
VERITAS FUNDING, LLC
|
4
|
6.16%
|
$19,226
|
BAY EQUITY LLC
|
4
|
5.91%
|
$13,024
|
AmeriHome Mortgage Company, LLC
|
4
|
6.47%
|
$7,240
|
SWBC MORTGAGE CORPORATION
|
4
|
6.38%
|
$9,767
|
Utah Mortgage Loan Corporation
|
4
|
6.38%
|
$10,346
|
AXIA FINANCIAL, LLC
|
3
|
6.42%
|
$15,318
|
CORNERSTONE HOME LENDING, INC.
|
3
|
6.54%
|
$12,014
|
SUN WEST MORTGAGE COMPANY, INC.
|
3
|
6.50%
|
$12,199
|
MID AMERICA MORTGAGE, INC.
|
3
|
6.13%
|
$18,353
|
NATIONS RELIABLE LENDING, LLC
|
3
|
5.96%
|
$12,714
|
Network Funding, L.P.
|
3
|
6.17%
|
$12,069
|
U.S. Bank
|
3
|
5.67%
|
$12,156
|
TOP FLITE FINANCIAL, INC.
|
3
|
6.08%
|
$18,516
|
HOMESIDE FINANCIAL, LLC
|
3
|
6.38%
|
$16,847
|
CITYWIDE HOME LOANS, LLC
|
2
|
6.81%
|
$19,085
|
AMERICAN FINANCIAL RESOURCES, INC.
|
2
|
6.00%
|
$27,946
|
HOMEBRIDGE FINANCIAL SERVICES, INC.
|
2
|
5.50%
|
$18,879
|
KeyBank
|
2
|
5.75%
|
$22,193
|
PREMIA MORTGAGE, LLC
|
2
|
6.50%
|
$12,090
|
PREMIER MORTGAGE RESOURCES, L.L.C.
|
2
|
6.56%
|
$14,458
|
ZILLOW HOME LOANS, LLC
|
2
|
6.13%
|
$14,336
|
Glacier Bank
|
2
|
6.63%
|
$14,899
|
MUTUAL OF OMAHA MORTGAGE, INC.
|
2
|
7.00%
|
$14,156
|
CYPRUS Federal Credit Union
|
2
|
5.75%
|
$14,181
|
SUN AMERICAN MORTGAGE COMPANY
|
2
|
6.38%
|
$16,205
|
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION
|
2
|
6.56%
|
$16,321
|
V.I.P. MORTGAGE, INC.
|
2
|
7.25%
|
$14,433
|
Zions Bank
|
1
|
7.13%
|
$11,413
|
Barrington Bank & Trust Company, N.A.
|
1
|
6.00%
|
$17,578
|
BETTER MORTGAGE CORPORATION
|
1
|
6.50%
|
$9,006
|
CALCON MUTUAL MORTGAGE LLC
|
1
|
6.75%
|
$17,950
|
City Lending Inc.
|
1
|
7.75%
|
$23,368
|
Cornerstone First Mortgage, Inc
|
1
|
6.25%
|
$16,230
|
D. L. Evans Bank
|
1
|
5.75%
|
$11,985
|
EAGLE HOME MORTGAGE, LLC
|
1
|
4.99%
|
$14,386
|
EVERETT FINANCIAL, INC.
|
1
|
6.38%
|
$14,340
|
Goldwater Bank, N.A.
|
1
|
6.25%
|
$13,134
|
LADERA LENDING, INC.
|
1
|
6.25%
|
$17,028
|
Meridian Bank Corporation
|
1
|
6.25%
|
$18,293
|
MORTGAGEONE, INC.
|
1
|
6.13%
|
$9,189
|
Mortgage Research Center, LLC
|
1
|
5.75%
|
$7,650
|
NBKC BANK
|
1
|
5.49%
|
$11,445
|
NORWICH COMMERCIAL GROUP, INC.
|
1
|
5.75%
|
$6,556
|
NP, Inc.
|
1
|
6.13%
|
$11,807
|
OPEN MORTGAGE, LLC
|
1
|
5.63%
|
$10,598
|
PACIFIC RESIDENTIAL MORTGAGE, LLC
|
1
|
6.25%
|
$17,496
|
Prosperity Home Mortgage, LLC
|
1
|
6.25%
|
$11,533
|
SCENIC OAKS FUNDING, INC.
|
1
|
5.75%
|
$20,277
|
Summit Mortgage Corporation
|
1
|
6.13%
|
$17,678
|
The Federal Savings Bank
|
1
|
6.13%
|
$25,689
|
UNION HOME MORTGAGE CORP.
|
1
|
6.63%
|
$17,184
|
UTAH COMMUNITY
|
1
|
6.13%
|
$10,111
|
Waterstone Mortgage Corporation
|
1
|
7.13%
|
$19,597
|
ALAMEDA MORTGAGE CORPORATION
|
1
|
6.75%
|
$20,155
|
The top Ogden FHA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
374 FHA loans originated. Their average total fees are
$15,451, which is $2,196
lower than the next largest lender,
GUILD MORTGAGE COMPANY.
The lowest fee Ogden FHA lenders (with over 10 loans originated) are
HOMEAMERICAN MORTGAGE CORPORATION ($10,842), LAKEVIEW LOAN SERVICING, LLC ($10,928), Bank of Utah ($11,256), ARK-LA-TEX FINANCIAL SERVICES, LLC. ($12,418) and PRIMARY RESIDENTIAL MORTGAGE, INC. ($13,232).
The lowest rate Ogden FHA lenders (with over 10 loans originated) are
HOMEAMERICAN MORTGAGE CORPORATION (4.41%), MOUNTAIN AMERICA (5.55%), INSPIRE HOME LOANS INC. (5.60%), CLM MORTGAGE, INC (5.85%) and PENNYMAC LOAN SERVICES, LLC (5.89%).
Ogden FHA Loan Limits
Metro |
County |
Year |
Single Family Limit |
2 Family Limit |
3 Family Limit |
4 Family Limit |
OGDEN-CLEARFIELD, UT |
BOX ELDER |
2020 |
$646,300 |
$827,400 |
$1,000,100 |
$1,242,900 |
OGDEN-CLEARFIELD, UT |
DAVIS |
2020 |
$646,300 |
$827,400 |
$1,000,100 |
$1,242,900 |
OGDEN-CLEARFIELD, UT |
MORGAN |
2020 |
$646,300 |
$827,400 |
$1,000,100 |
$1,242,900 |
OGDEN-CLEARFIELD, UT |
WEBER |
2020 |
$646,300 |
$827,400 |
$1,000,100 |
$1,242,900 |
OGDEN-CLEARFIELD, UT |
BOX ELDER |
2023 |
$744,050 |
$952,500 |
$1,151,400 |
$1,430,900 |
OGDEN-CLEARFIELD, UT |
DAVIS |
2023 |
$744,050 |
$952,500 |
$1,151,400 |
$1,430,900 |
OGDEN-CLEARFIELD, UT |
MORGAN |
2023 |
$744,050 |
$952,500 |
$1,151,400 |
$1,430,900 |
OGDEN-CLEARFIELD, UT |
WEBER |
2023 |
$744,050 |
$952,500 |
$1,151,400 |
$1,430,900 |
FHA Loan Requirements
Borrowers must have a steady employment history or worked for the same employer for the past two years.
Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a
mortgage in your state.
Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
New FHA loans are only available for primary residence occupancy.
Borrowers must have a property appraisal from a FHA-approved appraiser.
Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance)
needs to be less than 31 percent of their gross income, typically. You may be able to get approved
with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they
believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment,
student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to
get approved with as high a percentage as 50 percent.
Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5
percent.
Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down
payment of 10 percent.
Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can
be made.
Typically borrowers must be three years out of foreclosure and have re-established good credit.
The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet
these standards and a seller will not agree to the required repairs, your only option is to pay for the required
repairs at closing (to be held in escrow until the repairs are complete).